For the year 2026, the FHA loan cap in Lincoln County, located in OR, specifically Lincoln-City, stands at $356,362 for a single-family dwelling. For a 2-unit property, it's set at $456,275, for a 3-unit, $551,500, and if you have a 4-unit home, the limit is $685,400.
As for conventional loans, the ceiling on loan amounts for a single-unit residence is $548,250. For properties with 2 units, it's $702,000; for 3 units, the limit is $848,500; and for 4 units, it reaches $1,054,500.
Leverage our FHA calculator to discover the top FHA rates available today and to evaluate the necessary down payment, income, credit, reserves, and documentation to qualify.
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With the Lendersa® calculator, you can easily compare FHA loan rates and conditions to those of alternative loan programs. Investigate and contrast options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money financing alongside FHA opportunities.
Lendersa® pulls data from a multitude of lenders, performing quick comparisons matched to your specific financial picture and requirements.
Explore the Loan Limits Comparison Table for 2026, focusing on Lincoln in Lincoln-City, OR. It compares FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To better understand qualification metrics such as income, reserves, and credit, try Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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